PayForMe vs Spezza

PayForMe is an app to track borrowing money between friends. It either uses Cospend on your Nextcloud instance or iHateMoney as a backend, and has the following features: - Show listed bills - Create new bills - Balance of project members - Handling several projects - Colorcodes to differentiate users - Update bills - Delete bills - Clearing debt of single members - Setting a default payer on a project basis

Dinner's over. Someone grabs the check, everyone opens a calculator, and the night ends in arithmetic. Spezza ends it differently: scan the receipt, pass the phone, and everyone's number is settled before the coats go on. HOW IT WORKS • Scan the receipt (or pick a photo) - every line item is read on your phone, in about a second, entirely offline. • Every line is shown and editable. If the scan can't read something, Spezza flags it honestly - one tap to fix. No silent guessing. • Pass the phone: everyone taps what they ate. Long-press to share a plate - shared items split by fair weights. • Tax and tip split proportionally, so nobody subsidizes the lobster. • Settle at the table: round numbers by default (exact cents if you insist), a Venmo-ready request for each person, and a PAGATO stamp when they pay up. • "It's on me" — one tap, and one generous person covers the whole table. • History keeps every dinner on your phone, with outstanding balances until the last stamp lands. WHAT SPEZZA REFUSES TO DO • No accounts. No sign-ups - yours or your friends'. • No subscription. Three free splits, then one small purchase, yours forever. • No daily limits, no ads, no countdown timers. Splitting a bill is not a metered resource. • No cloud. Receipts are read by Apple's Vision framework on your device and never uploaded anywhere. We couldn't see your dinners if we wanted to. Spezza is Italian - "split" - and the app works like a good dinner: warm, quick, and honest about the math. Split the meal, not the bank.